Advertisement
Elderton State Bank
Elderton, PA · FDIC Certificate #12985 · Chartered 10/0
Total assets
$465.17M
Total deposits
$359.64M
Total equity
$54.53M
Net loans
$388.69M
Branches (offices)
3
Net income (YTD)
$3.77M
Rank: #1,868 of 4,213 U.S. banks by assets · #71 of 109 in Pennsylvania. Assets changed 11.3% and deposits 7.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 14.16% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 12.09% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 108.1% |
| Real estate loans (share of loans) | 73.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $284.92M | 73.3% | |
| Commercial & industrial | $96.08M | 24.7% | |
| Consumer / individual | $3.77M | 1.0% | |
| Construction & development | $3.84M | 1.0% | |
| Agricultural | $6.59M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $334.91M | $283.97M | $2.48M | $38.50M |
| Jun 2023 | $358.60M | $293.29M | $2.52M | $42.16M |
| Jun 2024 | $378.06M | $306.69M | $1.93M | $45.34M |
| Jun 2025 | $417.83M | $333.87M | $2.74M | $49.49M |
| Jun 2026 | $465.17M | $359.64M | $3.77M | $54.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $359.64M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $359.64M.
Similar-sized banks
Willamette Valley Bank ($465.42M) · Security Federal Savings Bank ($464.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement